This page lists the IFSC code, branch address, contact number and fund-transfer information for Punjab and Sind Bank, RAJAPUR branch in HOWRAH. The 11-digit IFSC PSIB0021488 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Punjab and Sind Bank at the RAJAPUR location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.
The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.
The IFSC for Punjab and Sind Bank – RAJAPUR is PSIB0021488. The first four letters PSIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 021488 map to this branch in HOWRAH, WEST BENGAL.
Bank profile
Punjab and Sind Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Rajapur branch — IFSC PSIB0021488 — extends the bank's services to customers in and around Howrah, West Bengal.
About the Rajapur branch
The Rajapur branch of Punjab and Sind Bank is situated at BDO OFFICE, RAJAPUR, HOWRAH WB 711316. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code PSIB0021488 is used.
Branch details at a glance
| Bank Name | Punjab and Sind Bank |
|---|---|
| Branch | Rajapur |
| IFSC Code | PSIB0021488 |
| MICR Code | Refer to cheque leaf |
| Branch Address | BDO OFFICE, RAJAPUR, HOWRAH WB 711316 |
| City | Howrah |
| District | Haora |
| State | West Bengal |
| STD Code | 91 |
| Phone | 9831905433 |
The role of IFSC in India's payments network
India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Punjab and Sind Bank's RAJAPUR branch came to be assigned the code PSIB0021488.
Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC PSIB0021488, money simply cannot be routed to the RAJAPUR branch electronically.
MICR code & cheque clearing
Apart from IFSC, every cheque book issued by Punjab and Sind Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC PSIB0021488 and the account number together uniquely identify the Rajapur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC PSIB0021488
Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC PSIB0021488 across all three.
NEFT to Punjab and Sind Bank, RAJAPUR using IFSC PSIB0021488
National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.
To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC PSIB0021488, and confirm that the system picks up Punjab and Sind Bank – RAJAPUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to RAJAPUR
If you need to transfer ₹2 lakh or more in one go to an account at Punjab and Sind Bank's RAJAPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PSIB0021488 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to Punjab and Sind Bank – RAJAPUR, use IMPS. With IFSC PSIB0021488 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC PSIB0021488 for Punjab and Sind Bank – RAJAPUR, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – PSIB0021488 | Yes – PSIB0021488 | Yes – PSIB0021488 |
For most retail customers crediting the Rajapur branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.
How UPI relates to the IFSC code
UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Punjab and Sind Bank's RAJAPUR branch, the IFSC PSIB0021488 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.
That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.
Products and account variants supported
Every account opened at the Rajapur branch is mapped to IFSC PSIB0021488 on the RBI payments network. The branch generally supports the full retail product catalogue of Punjab and Sind Bank, including:
- Resident savings accounts and salary accounts
- Current accounts for businesses and professionals
- Fixed deposits, recurring deposits and tax-saver deposits
- Demand drafts, banker's cheques and pay orders
- Retail loans — personal, vehicle, education, gold and home
- Credit cards and overdraft facilities (subject to eligibility)
- Third-party investment products such as mutual funds and insurance (through tie-ups)
Whichever product you choose, the IFSC for incoming credits remains PSIB0021488.
Banking services available
The Rajapur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9831905433.
- Savings, current and salary accounts
- Fixed deposits and recurring deposits
- Personal, vehicle and home loans
- Demat and investment products (where supported)
- Internet banking and mobile banking enrolment
- Debit and credit card issuance
- Locker facilities (subject to availability)
- Foreign exchange services (at authorised branches)
- Bill payments, demand drafts and pay orders
- NEFT / RTGS / IMPS / UPI fund transfers using IFSC PSIB0021488
Online banking and IFSC PSIB0021488
Punjab and Sind Bank customers can register for net banking and the bank's official mobile app once their account at the RAJAPUR branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC PSIB0021488 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.
Reaching the branch
The Rajapur branch sits at BDO OFFICE, RAJAPUR, HOWRAH WB 711316. If you are travelling from outside Howrah, search for the branch on a maps application using the bank name and locality, or call 91-9831905433 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC PSIB0021488 and your account number.
Common mistakes to avoid when using IFSC PSIB0021488
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Punjab and Sind Bank – RAJAPUR, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
PSIB0021488. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
Branch banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Rajapur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PSIB0021488, however, work 24x7.
Verifying IFSC PSIB0021488 from official sources
The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm PSIB0021488 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9831905433.
- Visiting the bank's official branch locator page.
Branch address & contact
Punjab and Sind BankRajapur Branch
BDO OFFICE, RAJAPUR, HOWRAH WB 711316
Howrah, West Bengal
Phone: 91-9831905433
IFSC: PSIB0021488
Frequently asked questions
How do I add Punjab and Sind Bank Rajapur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PSIB0021488, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC PSIB0021488 valid for NEFT and RTGS?
Yes. IFSC PSIB0021488 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does Punjab and Sind Bank Rajapur branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9831905433 to confirm.
What is the IFSC code of Punjab and Sind Bank Rajapur branch?
The IFSC code of Punjab and Sind Bank, Rajapur branch is PSIB0021488. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the phone number of Punjab and Sind Bank Rajapur branch?
You can reach the branch at 91-9831905433 during regular banking hours.
Is IFSC PSIB0021488 the same for all accounts at Rajapur branch?
Yes. The IFSC PSIB0021488 is shared by every account held at Punjab and Sind Bank's Rajapur branch. Only the account number changes from customer to customer.
Where is Punjab and Sind Bank Rajapur branch located?
Punjab and Sind Bank's Rajapur branch is located at BDO OFFICE, RAJAPUR, HOWRAH WB 711316, Howrah, West Bengal.
How quickly will an NEFT transfer using PSIB0021488 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Punjab and Sind Bank – Rajapur reflect within 30 minutes.
Summary
The IFSC code PSIB0021488 belongs to Punjab and Sind Bank's RAJAPUR branch, located at BDO OFFICE, RAJAPUR, HOWRAH WB 711316 in HOWRAH, WEST BENGAL. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.
